Financial protection


What would happen if you were unable to provide for your family due to an accident, unemployment, serious illness or death?

Without the right protection, losing all, or even part, of your household income could result in significant financial difficulties for you and your family.

With the appropriate planning and having financial protection in place you can ensure that your family’s income and lifestyle are safeguarded if the unexpected happens. You’ve worked hard to provide for your family. Now make sure that they are protected should the worst happen.


Clear and objective financial protection advice

We help you to achieve the peace of mind that comes from knowing that, if necessary, the right funds will get into the right hands at the right time.We can provide advice on a range of financial protection products, including:

  • Life assurance – to protect your mortgage and your family’s standard of living. We can also help to ensure you pay little or no Inheritance Tax on the money received.
  • Critical illness cover – if you are diagnosed with a critical condition a lump sum or a regular monthly income can be paid. This can be used to pay off your mortgage as well as maintaining you family’s lifestyle.
  • Income protection insurance – a tax-free or subsidised income is payable in case of illness or accident, which would enable you and your family to maintain your desired standard of living.

A bespoke, personal service

Empathy and sound advice are the cornerstones of our service. We will sit down with you and gather all of the information necessary to fully understand your requirements. As independent financial advisers, we are able to search the whole of the market and find financial protection products that suit your needs.

We will provide you with various options and help you to understand the pros and cons of each. We also offer regular reviews of your policies and circumstances, to ensure that the protection you have in place remains appropriate.

Get in touch today to find out how you can benefit from our many years experience protecting families like yours from the unexpected.

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Meet the team

Will Molony

Will is a founding partner of Rathmore Financial and maintains the same level of enthusiasm and drive for Financial Planning as he did when he entered the industry nearly 40 years ago. It’s just one of the reasons while multiple generations of families have turned to him for financial advice.

A firm believer in having a deep understanding of client needs, Will has used his experience to become an expert in retirement options and pension transfers, and this has enabled him to become a holder of the retirement advice standard from the Society of Later Life Advisers (SOLLA).

Away from Rathmore Financial, Will can be found tending his garden, throwing pots and cheering on Leicester City FC.

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Meet the team

Floyd Fombo

In his 18 years in the industry, Floyd has developed an impressive CV. He has worked as part of a large national IFA’s specialist advisory team, reached the status of Chartered Financial Planner and is Bristol’s longest serving independent SOLLA member.

His experience means that he is equally at home in recommending both conventional and complex financial solutions to his client’s needs – all of which are made based on a deep understanding of their requirements.

Outside of work Floyd spends time with his young family, and can often be found behind the stove or his BBQ as he follows his passion for food beneficiaries.

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Meet the team

Paul Scobie

Paul’s career in financial advice spans over 30 years. During this time he has built an impressive network of both personal and corporate clients, all of whom benefit from his expertise across personal cash-flow planning, at-retirement planning and a rigorous approach to problem solving.

His experience of dealing with an ever-changing saving and investment environment, supported by robust and comprehensive long-term financial planning methods, mean that his clients can be confident his recommendations will stand the test of time.

In his spare time Paul can often be found travelling the globe; a great way to indulge another of his passions – architecture.

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